hi kazekage_09, if you compare the COI stated in the brochures, you will definitely see the difference (even though the standalone medical card and the medical card rider benefit is exactly the same). I think mainly because when you see the COI for standalone, it is a lump sum of agent commission + policy fee + medical card COI. so yea, this is just what I'd observed la.

hello,

anyone from Prudential here?

Although u are buying a RM150-Room (twin sharing room in most hospital in Malaysia), u still can stay above Rm150-room just u need to pay the room different e.g stay in a RM250 room then u need to pay the addition of RM100/day. But do check back your policy, some upgrade of room need to pay 20% co-insurance. read back to the policy T&C.

👌

summoning roystevenung

anyone with Great Eastern here, I have a 10 year old medical plan which i would like to cancel. My agent is no longer in the industry so am wondering who i can deal with for this

Generally, if you call GE Customer Service, I believe they can guide you step by step how to proceed to cancel your medical plan. But if you can share with us, why are you cancelling the medical plan?

Hi db07mufan, I'm from Great Eastern and I might be able to assist you in this matter. You will need to fill up a surrender form if your policy is an investment linked plan. If it's standalone, you just have to stop payment and the policy will lapse on its own since there is no cash value.

me too. My agent was my uncle last time. He passed away.

You may write a letter to GE requesting for a service transfer to another agent who is willing to do the service for you. Usually for investment-linked plans, we usually don't advise clients to lapse the policy.

hi db07mufan, your medical plan is a standalone medical or ILP?

RM250 monthly
Benefits Payout
1 Life/TPD-100K
2 Critical Illness-150K
3 Early Critical Illness-100K
4 Diabetes Recovery-20K
5 Cancer Recovery-35K
Hospitalization & Surgical (Med Card
6 Room-150 daily
7 Annual Limit-850K
8 Lifetime Limit-Unlimited
Others Benefits
9 Waiver-Yes (in the event diagnose with CI, premium will be waive but still continue to enjoy the benefits)
10 Savings/Cash Value-Yes

Hi , above plan for single male - 30 years old should be ok right

Looks good to me. Some additional factors to consider is the sustainability of the policy and whether the amount of life and critical illness is shared together which is usually the norm.

thanks for your comment , will check

Hi all,

I'm currently 28. Class 1 job. Non-smoker.

I only have MP Generali health insurance from my employer.
I searched around and sieved through what I found interesting and ended up with these two.

1. AIA A-Plus Health
2. Allianz Medisafe

I wonder can I get a good enough ILP for below RM180?
So far from my understanding, standalone packages tend to be more expensive along the years that is why I'm leaning towards ILP.
I have not engaged with an agent yet. Thought of getting some opinion in Lyn first.

Possible for Allianz

If it fulfills your insurance requirement then yes it's sufficient.

Good choice choosing Allianz.

Just a reminder, ILP cash value shouldn't be part of your savings/investment allocation, it's for the sustainability of the policy.

Bests,
Jiansheng

AIA A-Plus Health would be within your range too.

You can consider Great Eastern's SmartProtect Essential 3 as well. When choosing ILP, you have to consider about the sustainability of the plan because the cash value is used to offset the rising insurance charges in the future. Also ensure that waiver rider is included in the policy.